Finance Pulse — November 2022
Snapshot covering 2022-11-01 through 2022-11-30.
Headline numbers
- Transactions logged: 110
- Raw income: $136.20
- Raw expenses: $9,520.41
- Raw net: $-9,384.21
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $136.20
- Organic expenses: $9,520.41
- Organic net cashflow: $-9,384.21
- Organic savings rate (API-income denom): -6890.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,600.00
- True savings rate (take-home denom): 10.2%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 39.8% |
| 2 | Restaurants & Bars | $1,614.94 | 17.0% |
| 3 | Miscellaneous | $805.26 | 8.5% |
| 4 | Auto Payment | $658.72 | 6.9% |
| 5 | Groceries | $617.80 | 6.5% |
| 6 | Loan Repayment | $600.00 | 6.3% |
| 7 | Gas & Electric | $393.66 | 4.1% |
| 8 | Shopping | $258.22 | 2.7% |
| 9 | Gas | $195.77 | 2.1% |
| 10 | Internet & Cable | $172.66 | 1.8% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $135.95 |
| Interest | $0.25 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-11-02 | $17,000.00 | Mammoth Growth L Ray Data Elnzgqic Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,600.00
- Organic burn this month — expenses exceeded organic income by $9,384.21.
- Expense concentration: Mortgage alone is 39.8% of monthly spend ($3,792.75).